Oportun Financial (OPRT) EBITDA (2018 - 2026)
Oportun Financial's (OPRT) quarterly EBITDA came in at $48.5 million in Q1 2026, down 23.73% YoY from $63.6 million in Q1 2025, and up 416.78% on a QoQ basis from $9.4 million in Q4 2025.
Oportun Financial (OPRT) EBITDA (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has 9 years of EBITDA data on file, last reported at $48.5 million in Q1 2026.
- Quarterly EBITDA fell 23.73% year-over-year to $48.5 million in Q1 2026, while the trailing twelve-month figure through Mar 2026 was $99.4 million (up 73.54% YoY) and the FY2025 annual result came in at $57.6 million, down 41.68% from the prior year.
- EBITDA grew to $48.5 million in Q1 2026, from $9.4 million in the prior quarter.
- In the past five years, EBITDA ranged from a high of $63.6 million in Q1 2025 to a low of -$104.1 million in Q1 2023.
- A 5-year average of -$9.5 million and a median of -$12.5 million in 2023 frame the typical range for EBITDA.
- Annual changes were most pronounced in 2022 — EBITDA plunged 370.97% — and 2025, when it soared 334.3%.
- Tracing OPRT's EBITDA over 5 years: stood at -$43.7 million in 2022, then retreated by 23.43% to -$54.0 million in 2023, then surged by 206.32% to $57.4 million in 2024, then tumbled by 83.64% to $9.4 million in 2025, then jumped by 416.78% to $48.5 million in 2026.
- The last three EBITDA figures came in at $48.5 million (Q1 2026), $9.4 million (Q4 2025), and $29.8 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 6.88 Bn |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 5.59 Bn |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 3.51 Bn |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 11.07 Bn |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.43 Bn |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.16 Bn |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 88.43 Mn |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -933.54 Mn |
| 10 | Oportun Financial | 382.81 Mn | 303.34 Mn | - | 48.52 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 48.52 Mn |
| Dec 31, 2025 | 9.39 Mn |
| Sep 30, 2025 | 29.83 Mn |
| Jun 30, 2025 | 11.67 Mn |
| Mar 31, 2025 | 63.61 Mn |
| Dec 31, 2024 | 57.39 Mn |
| Sep 30, 2024 | -16.45 Mn |
| Jun 30, 2024 | -47.27 Mn |
| Mar 31, 2024 | -27.15 Mn |
| Dec 31, 2023 | -53.98 Mn |
| Sep 30, 2023 | -32.44 Mn |
| Jun 30, 2023 | -12.54 Mn |
| Mar 31, 2023 | -104.07 Mn |
| Dec 31, 2022 | -43.73 Mn |
| Sep 30, 2022 | -102.65 Mn |
| Jun 30, 2022 | -3.29 Mn |
| Mar 31, 2022 | 61.91 Mn |
| Dec 31, 2021 | 24.69 Mn |
| Sep 30, 2021 | 37.88 Mn |
| Jun 30, 2021 | 61.42 Mn |